- Report: #71097
Complaint Review: Germania Insurance Aka David House Insurance Agency - Garland Texas
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Germania Insurance Aka David House Insurance Agency
2205 Rolling Oak Lane Garland, 75044 Texas, U.S.A.
Phone:
972-414-2066
Web:
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Germania Insurance Aka David House Insurance Agency Quote changes every day RipOff THEY WILL NOT GIVE A FAIR QUOTE. THEY WILL TRY TO RIP YOU OFF Garland Texas
In October 2003 I called several Insurance Companies to get a quote for both homeowner's and car insurance.
I only wanted liability insurance for the car.
I called Germania Insurance, Nationwide Insurance and others.
Those two gave me quotes I could live with for the moment. I narrowed in on Germania because they have less complaints.
They offered $855 a year for homeowners and $683 a year for the car. Nationwide offered $985 a year for homeowner's and $296 for 6 months for the car.
It came close to the day for me to sign the dotted line, and get the policies in force. So I called Germania to verify the quote they gave me.
Lo and behold, now it was 743 a year because they had made a mistake. I also called again Nationwide to verify their quotes and they were the same.
Germania was going to recalculate both homeowners and car because of the mistake and call me next day. They never called, so I called them. Lo and behold, the car insurance changed again to over $900 for 6 months, that is $1800 a year!
Well I asked why it had gone from 683 to 1800 in a matter of days, she said "well you are already paying 1100 every 6 months". I said in no way am I paying THAT every six months. She then asked how much did I pay to my current insurer, and I told her it didn't matter what I was paying them, that I wanted a quote from Germania.
She then just bluntly told me that their quote is 1800 a year and that's that.
They based their entire quote on what I am already paying (or rather, what they THOUGHT I am paying) and gave me a small break. Gee, thanks Germania, but NO THANKS!
Well here is it now, all over the internet.
DO NOT DO BUSINESS WITH GERMANIA INSURANCE. THEY WILL NOT GIVE A FAIR QUOTE. THEY WILL TRY TO RIP YOU OFF.
Thank you Rip-Off Report. A donation for this forum is forthcoming.
Elvera
Elvera
Carrollton, Texas
U.S.A.
I only wanted liability insurance for the car.
I called Germania Insurance, Nationwide Insurance and others.
Those two gave me quotes I could live with for the moment. I narrowed in on Germania because they have less complaints.
They offered $855 a year for homeowners and $683 a year for the car. Nationwide offered $985 a year for homeowner's and $296 for 6 months for the car.
It came close to the day for me to sign the dotted line, and get the policies in force. So I called Germania to verify the quote they gave me.
Lo and behold, now it was 743 a year because they had made a mistake. I also called again Nationwide to verify their quotes and they were the same.
Germania was going to recalculate both homeowners and car because of the mistake and call me next day. They never called, so I called them. Lo and behold, the car insurance changed again to over $900 for 6 months, that is $1800 a year!
Well I asked why it had gone from 683 to 1800 in a matter of days, she said "well you are already paying 1100 every 6 months". I said in no way am I paying THAT every six months. She then asked how much did I pay to my current insurer, and I told her it didn't matter what I was paying them, that I wanted a quote from Germania.
She then just bluntly told me that their quote is 1800 a year and that's that.
They based their entire quote on what I am already paying (or rather, what they THOUGHT I am paying) and gave me a small break. Gee, thanks Germania, but NO THANKS!
Well here is it now, all over the internet.
DO NOT DO BUSINESS WITH GERMANIA INSURANCE. THEY WILL NOT GIVE A FAIR QUOTE. THEY WILL TRY TO RIP YOU OFF.
Thank you Rip-Off Report. A donation for this forum is forthcoming.
Elvera
Elvera
Carrollton, Texas
U.S.A.
2 Updates & Rebuttals
Elvera
Carrollton,Texas,
U.S.A.
Nothing wrong with my ears
#2Consumer Suggestion
Mon, December 13, 2004
Thank you for your response. My issue was mainly with the Insurance Agency. But since they represent Germania Insurance, it is with that company as well. I realize it is hard to believe such callousness, but that is what really happened, that is what they really said. Not only did I hear those words, but felt the attitude behind them. There was no mistaking what they were saying to me. Also, at first, they did give me a quote for the year, which was $683 But the issue was, that once they were in possession of the declarations page of the insurance I had at that time, which they said they had to have in order to give me a quote, they changed to that outrageous amount based on what THEY THOUGHT I WAS PAYING for 6 months. Germania Insurance tolerates such abusive behavior by letting them stay in business representing them. That is why I name them both in my complaint. I have now come to realize that the whole insurance industry is the same in their Rip-off practices! We have to carry insurance because it is the law but we can't use it or they cancel us. That is why now I go with the cheapest quote I can get.
Shannon
Center,Texas,
U.S.A.
Are you sure you heard the person right?
#3UPDATE Employee
Sun, December 12, 2004
I do not work for David House Insurance Agency, but do represent Germania at a different Agency. For several years now (since the year 1999 I believe, its the weekend and I'm at home so I can't pull up the exact year from here) Germania has offered only 1-year term automobile insurance policies. I would suggest that if you are dissatisfied with the service you received from agent who was trying to quote you, that you look up another agent in your area. Germania's website has a list of Texas agents by county. The company's website address is http://www.germania-ins.com/. Their automobile & home insurance rates are usually very competitive. Our particular agency is located in deep East Texas has represented Germania since 1981. I can personally vouch that they are a very reliable and steadfast company, and have been rated A or better by A.M. Best continuously. There are times when an agent, who does happen to be a human too, makes a mistake, but I believe in owning up to the mistake and explaining what the mistake was. In example, if it had been me talking to you, I would have said, Mrs. X, I'm sorry, I forgot to add full coverage to the car, or I forgot to add the accident we dicussed, etc. Regardless, Germania is a very good company and hope you give them a second chance.
